Call reports 2014
COMMUNITY STATE BANK OF ORBISONIA — 2014
What COMMUNITY STATE BANK OF ORBISONIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 317,177,000 | 319,241,000 | 320,902,000 | 322,262,000 |
| Total loans | 277,564,000 | 279,116,000 | 279,909,000 | 278,713,000 |
| Allowance for loan losses | 3,402,000 | 3,359,000 | 3,491,000 | 3,263,000 |
| Securities available for sale | 13,357,000 | 12,896,000 | 13,918,000 | 17,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,043,000 | 287,173,000 | 288,059,000 | 289,318,000 |
| Interest-bearing deposits | 271,380,000 | 269,846,000 | 268,983,000 | 272,018,000 |
| Noninterest-bearing deposits | 14,663,000 | 17,327,000 | 19,076,000 | 17,300,000 |
| Equity capital | 29,776,000 | 30,301,000 | 30,893,000 | 30,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,713,000 | 7,456,000 | 11,263,000 | 15,052,000 |
| Interest expense | 902,000 | 1,804,000 | 2,703,000 | 3,573,000 |
| Net interest income | 2,811,000 | 5,652,000 | 8,560,000 | 11,479,000 |
| Noninterest income | 389,000 | 804,000 | 1,218,000 | 1,592,000 |
| Noninterest expense | 2,068,000 | 4,298,000 | 6,360,000 | 9,016,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 937,000 | 1,768,000 | 2,833,000 | 3,275,000 |
| Income tax | 276,000 | 491,000 | 770,000 | 947,000 |
| Net income | 661,000 | 1,277,000 | 2,063,000 | 2,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,829,000 | 30,289,000 | 30,920,000 | 30,998,000 |
| Total capital | 32,387,000 | 32,893,000 | 33,525,000 | 33,586,000 |
| Risk-weighted assets | 203,773,000 | 207,532,000 | 207,534,000 | 206,391,000 |